Quote from @Brandon Croucier: 12 or 24 Month Bank Statement is probably the best bet.Where would I get one of those? 

If it’s a structured settlement and you aren’t getting a lump lum, you could contribute some of that to a Roth or Traditional IRA each year, or if you are self employed even more to a SEP IRA.Also what’s your short term, mid term and long term objectives?

I bout one in 2019 and it has turned into a gem for me, but at the time, it would not have been 1.25 1.25x is a very common DSCR for a bank.

The location all in,cost him X; he got an appraisal for the bank from CBRE national firmof XX and now the firm who called him mentioned paying XXX.

My bank account is connected to Stessa to eliminate the need for me to manually track income, expenses etc. 

I would talk to the bank first.

This way, I can get the bank statements for the property and categorize and reconcile everything. 

Since i had capital and had access to my commercial banks for the best rates possible on vertical and horizontal loans..

He is very good about deductions on tax returns so his income looks negligible and of course banks wont talk to him about loans.

-Local banks were the best.